Junior Credit Analyst - German Speaking

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE Lendable is revolutionising the credit card industry by making financial tools accessible, intuitive, and empowering. Zable is a Mobile-App first credit card that empowers customers to build their credit score while meeting their spending and borrowing needs sustainably. We’re looking for an analytical, commercially-minded Senior Strategy Analyst to help us grow and scale the product exponentially. This is a dynamic role where you’ll tackle high impact business problems across a number of disciplines including pricing, financial forecasting, growth, credit risk, new product development and product analytics. You’ll help us solve our most complex multi-dimensional challenges, working cross-functionally to deliver insight-driven strategies that optimise performance, drive responsible growth, and put the customer at the heart of decision-making. You’ll operate in a fast-paced environment where ideas matter more than hierarchy, and execution beats bureaucracy. Your work will directly influence who we serve, how we grow, and how we deliver sustainable value. KEY RESPONSIBILITIES Drive promotions & pricing strategy: * Develop and optimise promotional and pricing strategies through data-driven analysis and experimentation, balancing customer engagement, growth, price elasticity and profitability while continuously refining approaches based on product performance and scenario modelling. * Build deep insight into marketing campaign and conversion funnel performance, identifying opportunities to improve cost and conversion efficiency. * Stay abreast of industry trends and competitor activity to ensure our products remain fit for purpose. Financial forecasting & portfolio analytics: * Collaborate closely with the Credit Risk Analytics, Growth and Data Science teams to understand how our products and portfolio are performing at a granular sub-segment level. * Define key KPIs and develop detailed monitoring to track performance against these goals, and deliver actionable recommendations to improve outcomes. Use strategic analysis to shape and influence broader business strategy. Evaluate expansion opportunities: * Navigate through ambiguity to assess the feasibility of new product, channel and segment expansion opportunities. * Create robust commercial assessment frameworks, build tooling where necessary (e.g. RoI or NPV models) and extract data to support these assessments and deliver clear, insight-driven recommendations. Influence & execution: * Collaborate with stakeholders across Credit Risk, Data Science, Product and Growth to bring your strategies to life. * Present insights and recommendations to senior leadership - clear, concise, and backed by data. * Approach every conversation with an open mind, valuing the strength of ideas over ego or hierarchy. * Ensure your implemented strategies are working as intended once deployed in production, validating outcomes and iterating as needed. Fast-track your career growth: * Opportunity to mentor and coach more junior graduate analysts, fostering their technical growth and strategic thinking. * Well defined career progression pathways to Manager/Senior Manager for high performers. YOUR EXPERIENCE Essential: * 3+ years of experience in an analytics role in any discipline (e.g. Growth, Credit Risk, Product Analytics, Marketing, etc.) * Proficiency in coding - ideally SQL and Python Desirable: * Experience in an FCA-regulated financial services firm LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!

COMMERCIAL STRATEGY MANAGER - CREDIT COMPASS Hybrid working in London, UK (At least two days in office per week) We’re looking for a Commercial Strategy Manager to join our Credit Compass team. THE COMPANY Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The Team The Credit Compass launched late 2025. Over the last year we’ve improved the product and now have thousands of users and a very strong NPS score. We’re now focused on how we scale acquisition, launch new experiences, and start understanding what iwoca products different segments of credit compass users want to use. YOUR MISSION This role owns cross-sell for Credit Compass. Put simply, the aim is to help more Credit Compass users find an iwoca product that's genuinely right for them, and in doing so grow the value of each visit. A big part of the role is figuring out the right product for the right customer at the right time. That could be a loan, credit card, insurance, iwocaPay, or something entirely new. You'll decide who should see what, when they should see it, and how to make the journey from recommendation to funding feel effortless. The ambition is simple: moving from a Credit Compass user to an iwoca customer should be as easy as booking a flight. It's a hands-on role. You'd spend your time working out where the value and the friction are, testing new products and offers to see what actually works. You’ll work mostly with the credit compass team, a small knit squad of 8 covering engineering, marketing, and design. A few of the questions you'd pick up early on: * Which product suits which customer, and when — and how would we know we'd got that right? * Where are people dropping out of the cross-sell journey, and how much of that is friction we can fix? * What new products or offers should we be testing, and how do we tell quickly whether they're working? RESPONSIBILITIES Your key areas of responsibility will include: * Own the cross-sell funnel end to end: how users move from seeing an offer, to clicking, starting an application then using one of our products. That means owning the metrics, understanding where the drop-offs are, and being responsible for improving them. * Work out who gets offered what, and when: Use customer data and eligibility signals to match products to customers sensibly, design the logic and experience behind that, and check it genuinely improves conversion and value rather than just clicks. You’ll need to evaluate how customers respond to loans, credit cards, insurance, iwocaPay and more. * Run experiments to answer real questions: Design and ship cross tests - then deep dive into the results to decide what to scale, what needs to be fixed, and what the next opportunity might be. Some tests are already running for you to build on. * Make the journeys seamless: Get into the different user journies find the bugs, tracking gaps and friction, and work with engineers to fix them and measure things cleanly, writing clear problem statements and set a high pace for delivery * Help more declined customers get funded: turning insight into a measurable increase in funded customers from the decline pool. * Measure what you ship and iterate: Track how features perform through click rates, activation, drawdown and value per visit, and be as willing to stop something that isn't working as to keep going with something that is. * Use AI to work faster and go deeper: Lean on AI tools to speed up the analysis, testing and spec-writing that used to take much longer - pulling data together, drafting and interrogating queries, REQUIREMENTS * A track record of owning and improving a business metric: you've had a number you were responsible for (conversion, revenue, retention, something commercial) and you've moved it. You think in terms of funnels and value per customer, and you're used to being measured on outcomes rather than outputs * Data scepticism (i.e. having a sense for when something is off): our data is far from perfect, and one of the most valuable things you can do is spot the obvious problems others miss. That means holding the numbers up against real-world context and noticing when they don't add up * Strong data thinking, and a good partner to the people who do the analysis: you'd work closely with our junior analyst/data scientist as a thought partner to help sharpen the framing of their questions, sense checking their approach and analysis, and making sure the numbers translate into sound commercial decisions * Comfortable making decisions with partial information: lot’s of what we’re doing is new so we don’t have all the data we’d like before we have to make decisions. You’ll be able to figure out when to proceed, when to experiment and when to pause based on risk vs. reward (i.e. what’s the expected upside, how reversible is this decision, etc). * Strong pace setter and sense of ownership: you’ll be responsible for delivering improvements for our customers rather than waiting to be told what to do, instinctively unblocking things or pivoting when a project hits a road block. You're comfortable setting a fast pace for yourself, working out the next most useful thing to do, and driving it forward without needing much direction. * Genuinely curious about how changes affect customer behaviour: you like getting into the weeds of specific journeys (watching sessions in Fullstory, speaking to customers or the teams closest to them) to build a hypothesis about why people behave the way they do, and then confirming it with data * Able to bring other teams along with you: at iwoca, people rightly stay focused on their own metrics and areas. So to get things done across Engineering, Ops, CRM and Sales, you'll need to make the case that a change is worth their time, usually by showing it'll improve something they care about. It's less about authority and more about persuading people with facts and data, and getting them genuinely excited to run an experiment with you * Excited about helping small businesses: small businesses are critical to the UK economy and the people who run them are interesting, motivated and brilliantly opinionated people. Caring about the mission matters to us THE SALARY We expect to pay from £70,000 - £90,000 for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews. The culture At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them. The offices We put a lot of effort into making iwoca a great place to work: * Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. * Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits * Flexible working hours. * Medical insurance from Vitality, including discounted gym membership. * A private GP service (separate from Vitality) for you, your partner, and your dependents. * 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. * A one-month, fully paid sabbatical after four years. * Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. * 3% Pension contributions on total earnings. * An employee equity incentive scheme. * Generous parental leave and a nursery tax benefit scheme to help you save money. * Electric car scheme and cycle to work scheme. * Two company retreats a year: we’ve been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: * A learning and development budget for everyone. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse. Useful links: * iwoca benefits & policies